Evaluate custody boundaries, real checkout bps, TRON TRC-20 & Solana stablecoin support, withdrawal spreads, OpenAPI 3.1.0 SDKs, and 21-tool Model Context Protocol (`@xpayr/mcp-server`) automation side by side before writing a line of migration code.
Compares XPayr flat 0.5% direct wallet settlement vs 1.0% custodial gateway fees and 1.5% fiat-converted stablecoin processors.
NOWPayments publicly describes 0.5% service fees for payments without exchange and 1% for multi-currency, fixed-rate, or fee-paid-by-user flows; network fees are separate.
Switch trigger: Switch when checkout records, direct wallet settlement, and operational route control matter more than a very broad currency catalog.
CoinPayments publishes fee tables for wallet, conversion, withdrawal, coin, and token processing flows; its V2 public fee page describes starting fees by asset type.
Switch trigger: Switch when the operational goal is a lean checkout layer rather than a gateway-wallet-conversion suite.
Coinbase documentation for Commerce-to-Business migration describes a 1% transaction fee for migrating merchants and positions Coinbase Business as an all-in-one crypto financial platform.
Switch trigger: Switch when the merchant wants global checkout infrastructure without making Coinbase the central business account.
BitPay publishes tiered crypto acceptance pricing by monthly transaction amount, including 2% + 25¢ under $500k, 1.5% + 25¢ from $500k to $999,999, and 1% + 25¢ at $1M+; high-risk industries may pay more.
Switch trigger: Switch when direct wallet settlement and lower gateway fee clarity matter more than fiat-first payment-provider operations.
BTCPay Server is open-source and self-hosted. There is no third-party processor fee, but the merchant operates the server, security, uptime, and infrastructure.
Switch trigger: Switch when managed checkout, stablecoin routes, dashboard records, and faster launch are more valuable than self-hosting.
Cryptomus publicly advertises merchant processing fees starting from 0.4% to 2% depending on merchant tier, turnover, and conversion/wallet operations inside its custodial account ecosystem.
Switch trigger: Switch when eliminating custodial balance freezes, withdrawal queues, and account-held funds matters most.
CoinGate publicly lists a standard 1% checkout processing fee for crypto payments, alongside optional SEPA/bank fiat payout and account-managed settlement schedules.
Switch trigger: Switch when cutting the 1% gateway fee to 0.5% and receiving instant on-chain USDT/USDC wallet settlement outweigh bank-batch payouts.
Stripe publicly prices stablecoin acceptance at 1.5% of the transaction amount (settling as fiat USD in supported Stripe merchant jurisdictions), compared with 2.9% + $0.30 + FX fees on cards.
Switch trigger: Switch when you want global merchant eligibility, TRON USDT support, native stablecoin treasury retention, and a 0.5% fee instead of 1.5%.
Triple-A positions itself as a licensed fiat-settlement crypto payment institution (typically charging around 1% processing plus FX/settlement spreads depending on local bank corridor).
Switch trigger: Switch when you want immediate API/testnet onboarding, direct stablecoin treasury control, and 0.5% flat fees without FX conversion spreads.
PayPal commercial checkout fees typically range from 0.99% (promotional US Pay with Crypto tiers) up to 2.99%–4.99% + fixed fee + FX spreads on standard cross-border digital wallet transactions, inside a custodial PayPal business account.
Switch trigger: Switch when you want global merchant eligibility, on-chain PYUSD/USDC/USDT direct wallet settlement, 0.5% fees, and zero PayPal rolling reserves or account freezes.
Plisio advertises a 0.5% base gateway fee for standard hosted crypto invoices and 1.2% for its white-label/custom branding plan, using Plisio-managed wallet balances and withdrawal flows.
Switch trigger: Switch when you want true self-custodial wallet settlement (no withdrawal step), white-label branding without a 1.2% markup, and AI/MCP developer tooling.
Helio (acquired by MoonPay) charges 2% on its standard Pay-As-You-Go tier (or 1% with a paid HelioX subscription/pass), focusing heavily on Solana Pay, Shopify, and Web3 creator links.
Switch trigger: Switch when paying 2% (or buying a monthly pass just to get 1%) hurts margins and your global buyers also demand TRON TRC-20 USDT and Exchange QR transfers.
BVNK is an enterprise virtual-IBAN and custodial stablecoin payment institution with custom contract pricing, minimum monthly commitments, and full institutional KYB onboarding.
Switch trigger: Switch when you want immediate API/MCP integration, zero monthly minimums, and direct self-custodial USDT/USDC treasury control at 0.5%.
Custodial processors frequently stack a 0.8%–1.5% checkout fee on top of withdrawal fees, auto-conversion FX spreads, and rolling reserves. XPayr charges a single flat 0.5% (50 bps) gateway fee and routes 99.5% directly into your connected wallet on confirmation.
BTCPay Server is excellent for sovereign Bitcoin-only node operators who maintain their own DevOps and RPC infrastructure. XPayr preserves 100% non-custodial wallet settlement while eliminating full-node maintenance across TRON TRC-20, Solana, Base, Arbitrum, Polygon, BNB Chain, Ethereum, and Circle Arc.
Yes. Use our 15-Minute Provider Migration Hub (/migrate) to map webhook payloads, verify HMAC-SHA256 signatures on Testnet, and run XPayr alongside your existing gateway during cutover.
XPayr ships an official 21-tool MCP server (@xpayr/mcp-server on NPM and io.github.xpayrcom/xpayr-mcp-server on the Official Anthropic MCP Registry), a zero-install remote JSON-RPC endpoint (POST /api/mcp), and HTTP 402 agentic API paywall blueprints (/x402).